Universal AI CharterVerity Credit Screener
ModelHigh riskSample dataVerity Finance (Company) · United States · v2.0.1
- Text Generation
Agentic Decision-Making
Data & Training Bias
Unintended Consequences
Data-handling & compliance
- PII Handling
- PCI DSS
- CCPA / CPRA
Approved operating regions
- North America (NA)
NIST AI RMF functions
- Govern
- Map
- Measure
Decision categorization (yearly disclosure)
- Financial Services › Credit Scoring
- Financial Services › Loan Underwriting
- Training parameter scale
- 13B
- Fingerprinted output
- No
- Agentic decision-making
- Yes
- Issued
- 2024-05-20
- Effective date
- 2024-06-01
- End date
- 2026-01-31
- Next disclosure due
- 2026-06-01 (overdue)
- Training sources
- Historical loan performance data, applicant-provided financial documents, credit bureau feeds.
- Unintended consequences on record
- Deactivated in 2026 after an internal review found the model under-approved applicants with thin credit files; replaced by version 3.0.0.
Signed with ed25519. Public key Issuer-provided, verify independently.